243 Charles StSaint MarysPA15857








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Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage


Investment Highlights
Investment property for sale in Saint Marys at 243 Charles St, Saint Marys, PA, 15857 offers a 9.62% rental yield on a $130,000 purchase with $1,042/mo rent. Total monthly income registers $1,042/mo, and a $636/mo payment leaves $190/mo available for distribution. Annual cash flow reaches $2,285/yr on $43,095 to close, and return on cash invested stands at 25.21% in year one. Equity gained on principal adds $839/yr while 5% annual appreciation supports $35,917 over five years. Portfolio math shows five-year ROI at 131.8% and total cumulative return in cash at $56,799. Financing is available via Ziffy Mortgage’s DSCR loan, which evaluates $1,042/mo property income against a $636/mo payment rather than investor’s personal income documents like W2s, Salary slips, and Tax returns.
Single Family
Built in 1910
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 15857, Saint Marys, PA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,010 (100%) |
| Owner Occupied HU | 4,215 (70.1%) |
| Renter Occupied HU | 1,254 (20.9%) |
| Vacant Housing Units | 541 ( 9.0%) |
| Median Home Value | $186,332 |
| Average Home Value | $221,130 |
Housing Distribution
Address Breakdown
Residential
5,741
Single Family
5,551
Multi-Family
190
Businesses
562
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Listed by: Tristin N Largey • Elk County Real Estate
Mls Name: ECBR
Mls ID: #25-330








